Call reports 2005
PELHAM BANKING COMPANY — 2005
What PELHAM BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,720,000 | 52,690,000 | 52,634,000 | 50,602,000 |
| Total loans | 19,641,000 | 21,880,000 | 23,210,000 | 22,396,000 |
| Allowance for loan losses | 189,000 | 189,000 | 191,000 | 191,000 |
| Securities available for sale | 26,324,000 | 25,213,000 | 24,213,000 | 22,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,940,000 | 44,802,000 | 44,537,000 | 42,815,000 |
| Interest-bearing deposits | 38,009,000 | 38,038,000 | 37,469,000 | 35,493,000 |
| Noninterest-bearing deposits | 6,931,000 | 6,764,000 | 7,068,000 | 7,322,000 |
| Equity capital | 7,319,000 | 7,395,000 | 7,501,000 | 7,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,337,000 | 2,035,000 | 2,770,000 |
| Interest expense | 169,000 | 359,000 | 559,000 | 776,000 |
| Net interest income | 487,000 | 978,000 | 1,476,000 | 1,994,000 |
| Noninterest income | 105,000 | 190,000 | 288,000 | 430,000 |
| Noninterest expense | 367,000 | 675,000 | 985,000 | 1,421,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 12,000 |
| Pretax income | 225,000 | 495,000 | 766,000 | 990,000 |
| Income tax | 66,000 | 144,000 | 223,000 | 277,000 |
| Net income | 159,000 | 351,000 | 543,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,486,000 | 7,445,000 | 7,638,000 | 7,575,000 |
| Total capital | 7,675,000 | 7,634,000 | 7,829,000 | 7,766,000 |
| Risk-weighted assets | 29,631,000 | 30,941,000 | 31,373,000 | 29,644,000 |
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